Re: Citi 6 Month CLI

Chase's policy is that every single customer-request CLI is a hard pull, regardless of success or failure.

And as for Citi, I don't know. I won't get the denial letter for another week or so, but they said they referenced information from my Equifax credit report in determining my denial. I should have taken a screenshot, I think.. bleh.

There seems to be conflicting things from Citi...I asked them today about the website pull, and the guy told me that they don't know if its a soft inquiry or a hard inquiry untl its submitted. If they give you a "preapproved amount" then its a soft, but if you get the "we'll let you know in 30 minutes" it will be hard, and I'm assuming a denial as well. So now i'm nervous about the love button. I read somewhere else that some people received an email saying they were eligible, and others said they saw it pop on their main account page. I don't know how true that is, but i'm a little weary. I might just avoid the whole thing and wait and see if an auto CLI ever happens...I don't want to ask for a certain amount taht isn't preapproved, and then have to have a hard inquiry for nothing.

Re: Citi 6 Month CLI

I called for an increase of 5k at 6 mos and got it. I had the csr on the phone as she reviewed all of my citi accounts. I have 3 cc's with them as well as Home Depot and a very useless Sears card. They also upgraded my secured card to non secure and increased the cl on it too! She said that I can request a cl increase every 6 mos. Soft Pulls for me. My intial cl on the 5 k increase was 10.9k. I reallly like Citi!

Re: Citi 6 Month CLI

My 6th statement cuts tomorrow. I can let everyone know if I receive anything stating that I'm eligible and what the CSR tells me when I call in. I'd much rather confirm over the phone that it's a SP, than hit the "luv" buttom and get HP'd.

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